信贷资产质量低下,已经成为制约和阻碍农村信用社向商业化经营转轨的主要因素,而且随着信贷业务的不断发展,前清后增的问题往复循环,矛盾愈加突出,自身的包袱越来越重。造成这种结果的原因是多方面的,这里不再赘述。但根本原因是部分信贷人员缺乏应有的工作责任心和责任感,致使一些切实可行的信贷管理方面的规章制度形同虚设,无法正 The low quality of credit assets has become a major factor that restricts and impedes the transition of rural credit cooperatives to commercial operation. With the continuous development of credit business, the problems of pre-Qing and post-liquidation increase and decrease, and the contradictions become more and more prominent. weight. There are many reasons for this kind of result, so we will not repeat them here. However, the fundamental reason is that some credit officers lack the due responsibility and sense of responsibility that lead to some practical rules and regulations on credit management that are neither valid nor correct